USDA and FHA Pro and Con in Woodbridge, Middlesex County, NJ

In 2025, the USDA loan limit for Woodbridge, in the county of Middlesex, NJ, is $776,600. Meanwhile, the FHA limit for a single-family home is $1,089,300.

Utilize Lendersa® USDA loan calculator to compare the leading USDA and FHA rates today. This tool helps determine the necessary income, credit scores, reserves, and documentation for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best program for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Woodbridge, Middlesex County, NJ

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Investigating USDA and FHA Loan Options in Woodbridge, NJ

Lendersa® is committed to securing the ideal USDA or FHA loan for you swiftly and without hassle. Choose one of three ways to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in NJ?

A USDA home loan is a mortgage guaranteed by the government, often called a USDA rural development loan or USDA mortgage, available solely in rural neighborhoods. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans do not require any down payment, thus enhancing accessibility for rural homebuyers.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Alaska Commercial Loan Brokers
  • 1120 Huffman Rd, Suite 24-615, Anchorage, AK, 99515
  • Alaska Commercial Loan Brokers primary function is to package commercial loan requests for borrowers who are seeking funding and send out to lenders nationwide. ACLB specializes in government loans to maximize amount financed.Commercial Loan Brokers primary function is to package commercial loan requests for borrowers who are seeking funding
  • Raven Mortgage
  • 11900 Industry Way, Unit M-5, Anchorage, AK, 99515
  • Raven Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options .
  • Kodiak Island Housing Authority
  • 3137 Mill Bay Road, Kodiak, AK, 99615
  • Kodiak Island Housing Authority originates both Alaska Housing Finance Corporation (AHFC) Loans and Fannie Mae Loans. A variety of loans and add-on options are available to suit your needs. Please fill out one of our mortgage loan applications below and Karenia Hackett, our Mortgage Loan Specialist
  • HĀMĀKUA FEDERAL CREDIT UNION
  • 28-490 Kaakepa Street, Pepeekeo, HI, 96783
  • At Hāmākua Federal Credit Union! Located in beautiful Pepeʻekeo on the Hāmākua Coast of Hawaiʻi Island, we are a small community-chartered credit union with an island wide reach. Stop in and see why our members love us! Small town Credit Union serving all of the communities of Hawaii Island with Aloha
  • Onomea Federal Credit Union
  • 27-251 Old Mamalahoa Highway, Papaikou, HI, 96781
  • "Onomea Federal Credit Union has been open since 1939. The credit union has assets totaling $22.25 Million and provides banking services to more than 2,000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member"
  • HFS Federal Credit Union
  • 632 Kinoole Street, Hilo, HI, 96720
  • Our Credit Union started with very humble beginnings; a group of nine individuals came together to meet one simple need: making credit available to those with small means. Over eighty years later, HFS still holds onto its same sense of 'ohana with a deep desire to help those in our community to succeed and grow.
  • Hawaii County Employees Federal Credit Union
  • 131 Puuhonu Way, Hilo, HI, 96720
  • Hawaii County Employees Federal Credit Union is a cooperative financial institution comprised of people sharing a common bond, i.e. employees of Hawaii County and their families. We are a client-driven local enterprise whose goal is to provide a safe place for our members to save while earning a better return.
  • CU Hawaii Federal Credit Union
  • 476 Hinano Street, Hilo, HI, 96720
  • CU Hawaii, a federal credit union serving Hawai`i Island. We’re passionate about seeing our members succeed. The spirit of Hawai`i Island is the spirit of possibility. We see the potential in people, businesses and the community and get involved to help turn those possibilities into realities.
  • Big Island Federal Credit Union
  • 66 Lono Street, Hilo, HI, 96720
  • In 1936, a group of teachers formed the Big Island Teachers Federal Credit Union. It was the first chartered credit union in the State of Hawaii. In January of 1973, our name was changed to the Big Island Educational Employees Federal Credit Union. Later that year, the word “Employees” was eliminated
  • Family Mortgage Company of Hawaii, Inc.: Donna Dodd
  • 762 Kanoelehua Ave, Suite C, Hilo, HI, 96720
  • Family Mortgage Purchasing or refinancing a house can be a huge undertaking. You can rely on us to lead you to the loan program that's perfect for you. Our team can help you with a myriade of specialty loan programs including Conventional, 100% USDA financing, VA Loans and FHA programs. For assistance in finding the perfect loan program for you